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Bank Smarter, Live Better with F3 Credit Union

Better benefits, fewer fees, and smarter banking — made for our community. Join over 13,000+ members who've been trusting F3 Credit Union, since 1931.

Fill out the form and get started today

Check Out Our Featured F3 Products Designed for You!

Kickstart New Auto Loan 

Are you looking for a new car for your loved ones without any credit? This is the perfect auto loan for you! Borrow up to $30,000 and lock in a 3.99% APR rate on a new auto loan or 5.99% APR on a used auto loan. You can even refinance with us and save big!

6% New Friends CD Rate (6.13% APY)

Check out our limited time New Friends 6% CD. You can lock in the highest rate in the Bay Area by becoming a Member of the F3 Family. For more details on our 6% New Friends CD, contact F3 Credit Union or apply online today!

Low Rate Personal Loans

Life happens — and sometimes you need a lump sum of cash to cover it. From travel to debt consolidation, our personal loans make it easy. Apply today to borrow up to $15,000 with transparent terms, competitive rates, and zero surprises.
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F3 Credit Union: Where Benefits Meet Banking!

Ready to upgrade your banking game? Here’s the scoop on what you’ll get as a Member of F3! (Family Friends Future)

 

Bank on the Go: Tap into mobile and online banking services anytime, anywhere. 

Tailored Just for You: Enjoy personalized Member services that know what you need before you do.

Sweet Deals: Dive into competitive rates and loan offers that make borrowing a breeze. 

Branch Out: Access our 4 convenient branches for some friendly, face-to-face service.

Money Maximizer: Reap the rewards of lower borrowing rates and higher deposit yields.

Speedy Service: Zip through phone banking with F3 Connect ☎️.

Product Playground: From checking and savings accounts to mortgages, auto loans, and credit cards, we’ve got a product for every financial adventure.


And that's just the beginning! Join us to uncover all the benefits and make banking fun again!

Who Can Join?

You can join the F3 Credit Union if you fit into any of these categories:

Santa Clara County Community: Live, work, worship, or study here? You're in!

Postal Service Heroes: If you're an employee, contract employee, or retiree of the U.S. Postal Service in the counties of Santa Clara, San Mateo, Santa Cruz, Monterey, San Benito, San Francisco, Solano, Contra Costa, Alameda, Napa, Sonoma, Marin, or San Joaquin, welcome aboard!

Civil Service Champions: All civil service employees in Santa Clara, San Mateo, Santa Cruz, Monterey, San Benito, & San Francisco counties.

Credit Union Crew: Employees, contract employees, and legal counsel of our credit union. 

Friends & Family: Spouses, surviving spouses, all relatives, and household members of any of the above.

Associated Organizations: Organizations affiliated with any of the above, other credit unions, and organizations of credit unions.

If you find yourself in ANY of these groups, come on in - F3 Credit Union is waiting for you!

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Start Your Membership Application Now

(800) 696-6009  |  1040 Leigh Avenue, San Jose, CA 95126-4129

Federally insured by NCUA
Equal Housing Lender

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